Home > Harvard State Bank > Income and Expense
Harvard State Bank, Income and Expense
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $477,000 | 7,025 |
| Total interest expense | $131,000 | 6,802 |
| Net interest income | $346,000 | 7,028 |
| Provision for loan and lease losses | $5,000 | 6,354 |
| Total noninterest income | $-59,000 | 7,764 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $21,000 | 5,847 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-80,000 | 7,715 |
| Total noninterest expense | $214,000 | 7,464 |
| Salaries and employee benefits | $39,000 | 7,880 |
| Premises and equipment expense | $4,000 | 7,875 |
| Additional noninterest expense | $171,000 | 6,050 |
| Pre-tax net operating income | $68,000 | 5,441 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $67,000 | 2,520 |
| Income before extraordinary items | $1,000 | 6,374 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,000 | 6,376 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $1,000 | 6,375 |
| Net charge-offs | $316,000 | 1,984 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $1,000 | 6,266 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $2,169,000 | 6,934 |
| Total interest expense | $624,000 | 6,870 |
| Net interest income | $1,545,000 | 6,847 |
| Provision for loan and lease losses | $0 | 7,427 |
| Total noninterest income | $147,000 | 6,602 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $101,000 | 5,741 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $46,000 | 6,453 |
| Total noninterest expense | $1,190,000 | 7,160 |
| Salaries and employee benefits | $642,000 | 7,104 |
| Premises and equipment expense | $71,000 | 7,629 |
| Additional noninterest expense | $477,000 | 6,854 |
| Pre-tax net operating income | $502,000 | 3,995 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $179,000 | 2,472 |
| Income before extraordinary items | $323,000 | 4,401 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $323,000 | 4,402 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $323,000 | 4,403 |
| Net charge-offs | $42,000 | 6,304 |
| Cash dividends | $210,000 | 3,590 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $323,000 | 4,323 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $1,593,000 | 7,051 |
| Total interest expense | $476,000 | 6,962 |
| Net interest income | $1,117,000 | 6,964 |
| Provision for loan and lease losses | $0 | 7,284 |
| Total noninterest income | $145,000 | 6,387 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $73,000 | 5,846 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $72,000 | 5,821 |
| Total noninterest expense | $857,000 | 7,270 |
| Salaries and employee benefits | $477,000 | 7,156 |
| Premises and equipment expense | $49,000 | 7,752 |
| Additional noninterest expense | $331,000 | 7,001 |
| Pre-tax net operating income | $405,000 | 4,174 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $131,000 | 2,675 |
| Income before extraordinary items | $274,000 | 4,532 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $274,000 | 4,531 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $274,000 | 4,533 |
| Net charge-offs | $14,000 | 6,396 |
| Cash dividends | $135,000 | 3,403 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $274,000 | 4,454 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,030,000 | 7,167 |
| Total interest expense | $317,000 | 7,066 |
| Net interest income | $713,000 | 7,069 |
| Provision for loan and lease losses | $0 | 7,158 |
| Total noninterest income | $108,000 | 6,278 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $50,000 | 5,799 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $58,000 | 5,624 |
| Total noninterest expense | $610,000 | 7,227 |
| Salaries and employee benefits | $369,000 | 6,973 |
| Premises and equipment expense | $31,000 | 7,855 |
| Additional noninterest expense | $210,000 | 7,105 |
| Pre-tax net operating income | $211,000 | 4,581 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $67,000 | 2,946 |
| Income before extraordinary items | $144,000 | 4,903 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $144,000 | 4,900 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $144,000 | 4,901 |
| Net charge-offs | $15,000 | 5,781 |
| Cash dividends | $75,000 | 3,463 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $144,000 | 4,819 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $506,000 | 7,248 |
| Total interest expense | $157,000 | 7,169 |
| Net interest income | $349,000 | 7,125 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $72,000 | 5,774 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $24,000 | 5,827 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $48,000 | 4,911 |
| Total noninterest expense | $301,000 | 7,268 |
| Salaries and employee benefits | $198,000 | 6,873 |
| Premises and equipment expense | $10,000 | 8,040 |
| Additional noninterest expense | $93,000 | 7,192 |
| Pre-tax net operating income | $120,000 | 4,816 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $39,000 | 3,088 |
| Income before extraordinary items | $81,000 | 5,206 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $81,000 | 5,211 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $81,000 | 5,210 |
| Net charge-offs | $-2,000 | 7,404 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $81,000 | 5,041 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $2,286,000 | 7,131 |
| Total interest expense | $876,000 | 6,991 |
| Net interest income | $1,410,000 | 7,117 |
| Provision for loan and lease losses | $15,000 | 7,084 |
| Total noninterest income | $268,000 | 6,019 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $96,000 | 5,948 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $172,000 | 5,091 |
| Total noninterest expense | $1,492,000 | 6,879 |
| Salaries and employee benefits | $1,074,000 | 6,261 |
| Premises and equipment expense | $64,000 | 7,936 |
| Additional noninterest expense | $354,000 | 7,223 |
| Pre-tax net operating income | $171,000 | 5,836 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $48,000 | 3,874 |
| Income before extraordinary items | $123,000 | 5,779 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $123,000 | 5,780 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 8,099 |
| Cash dividends | $235,000 | 4,343 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $123,000 | 5,931 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,726,000 | 7,201 |
| Total interest expense | $675,000 | 7,064 |
| Net interest income | $1,051,000 | 7,183 |
| Provision for loan and lease losses | $15,000 | 6,618 |
| Total noninterest income | $129,000 | 6,804 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $70,000 | 6,028 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $59,000 | 6,377 |
| Total noninterest expense | $766,000 | 7,534 |
| Salaries and employee benefits | $453,000 | 7,425 |
| Premises and equipment expense | $51,000 | 7,958 |
| Additional noninterest expense | $262,000 | 7,251 |
| Pre-tax net operating income | $399,000 | 5,271 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $132,000 | 3,339 |
| Income before extraordinary items | $267,000 | 5,363 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $267,000 | 5,360 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 8,064 |
| Cash dividends | $125,000 | 4,247 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $267,000 | 5,533 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,136,000 | 7,283 |
| Total interest expense | $464,000 | 7,131 |
| Net interest income | $672,000 | 7,270 |
| Provision for loan and lease losses | $15,000 | 6,116 |
| Total noninterest income | $86,000 | 6,857 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $44,000 | 6,115 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $42,000 | 6,364 |
| Total noninterest expense | $517,000 | 7,571 |
| Salaries and employee benefits | $314,000 | 7,425 |
| Premises and equipment expense | $33,000 | 8,035 |
| Additional noninterest expense | $170,000 | 7,316 |
| Pre-tax net operating income | $226,000 | 5,646 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $75,000 | 3,735 |
| Income before extraordinary items | $151,000 | 5,965 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $151,000 | 5,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,039 |
| Cash dividends | $75,000 | 4,274 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $151,000 | 5,908 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $584,000 | 7,316 |
| Total interest expense | $248,000 | 7,156 |
| Net interest income | $336,000 | 7,320 |
| Provision for loan and lease losses | $8,000 | 5,577 |
| Total noninterest income | $48,000 | 6,727 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $21,000 | 6,186 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $27,000 | 6,042 |
| Total noninterest expense | $231,000 | 7,764 |
| Salaries and employee benefits | $139,000 | 7,647 |
| Premises and equipment expense | $14,000 | 8,144 |
| Additional noninterest expense | $78,000 | 7,453 |
| Pre-tax net operating income | $145,000 | 5,499 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $48,000 | 3,601 |
| Income before extraordinary items | $97,000 | 5,880 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $97,000 | 5,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,797 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $97,000 | 5,793 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,532,000 | 7,179 |
| Total interest expense | $1,080,000 | 7,043 |
| Net interest income | $1,452,000 | 7,178 |
| Provision for loan and lease losses | $30,000 | 6,068 |
| Total noninterest income | $186,000 | 6,842 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $77,000 | 6,343 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $109,000 | 6,081 |
| Total noninterest expense | $1,101,000 | 7,507 |
| Salaries and employee benefits | $699,000 | 7,252 |
| Premises and equipment expense | $55,000 | 8,199 |
| Additional noninterest expense | $347,000 | 7,314 |
| Pre-tax net operating income | $507,000 | 5,972 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $144,000 | 4,171 |
| Income before extraordinary items | $363,000 | 6,190 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $363,000 | 6,189 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,313 |
| Cash dividends | $225,000 | 4,766 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $363,000 | 6,177 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,877,000 | 7,253 |
| Total interest expense | $788,000 | 7,118 |
| Net interest income | $1,089,000 | 7,227 |
| Provision for loan and lease losses | $23,000 | 5,748 |
| Total noninterest income | $116,000 | 7,133 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $53,000 | 6,468 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $63,000 | 6,487 |
| Total noninterest expense | $762,000 | 7,607 |
| Salaries and employee benefits | $451,000 | 7,515 |
| Premises and equipment expense | $46,000 | 8,144 |
| Additional noninterest expense | $265,000 | 7,277 |
| Pre-tax net operating income | $420,000 | 6,078 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $140,000 | 4,113 |
| Income before extraordinary items | $280,000 | 6,416 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $280,000 | 6,413 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,701 |
| Cash dividends | $150,000 | 4,354 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $280,000 | 6,406 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,209,000 | 7,356 |
| Total interest expense | $517,000 | 7,169 |
| Net interest income | $692,000 | 7,376 |
| Provision for loan and lease losses | $15,000 | 5,502 |
| Total noninterest income | $62,000 | 7,433 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $32,000 | 6,601 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $30,000 | 6,985 |
| Total noninterest expense | $501,000 | 7,685 |
| Salaries and employee benefits | $310,000 | 7,509 |
| Premises and equipment expense | $31,000 | 8,178 |
| Additional noninterest expense | $160,000 | 7,467 |
| Pre-tax net operating income | $238,000 | 6,425 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $80,000 | 4,346 |
| Income before extraordinary items | $158,000 | 6,679 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $158,000 | 6,680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,333 |
| Cash dividends | $75,000 | 4,506 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $158,000 | 6,666 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $590,000 | 7,422 |
| Total interest expense | $264,000 | 7,151 |
| Net interest income | $326,000 | 7,516 |
| Provision for loan and lease losses | $8,000 | 5,190 |
| Total noninterest income | $31,000 | 7,421 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $15,000 | 6,674 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $16,000 | 6,921 |
| Total noninterest expense | $227,000 | 7,851 |
| Salaries and employee benefits | $138,000 | 7,746 |
| Premises and equipment expense | $14,000 | 8,242 |
| Additional noninterest expense | $75,000 | 7,589 |
| Pre-tax net operating income | $122,000 | 6,395 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $42,000 | 4,302 |
| Income before extraordinary items | $80,000 | 6,711 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $80,000 | 6,710 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,566 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $80,000 | 6,694 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,479,000 | 7,161 |
| Total interest expense | $988,000 | 6,966 |
| Net interest income | $1,491,000 | 7,183 |
| Provision for loan and lease losses | $30,000 | 6,013 |
| Total noninterest income | $141,000 | 7,378 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $105,000 | 6,091 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $36,000 | 7,566 |
| Total noninterest expense | $1,179,000 | 7,423 |
| Salaries and employee benefits | $784,000 | 7,018 |
| Premises and equipment expense | $74,000 | 8,098 |
| Additional noninterest expense | $321,000 | 7,465 |
| Pre-tax net operating income | $423,000 | 6,716 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $136,000 | 4,709 |
| Income before extraordinary items | $287,000 | 6,964 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $287,000 | 6,964 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,843 |
| Cash dividends | $355,000 | 4,262 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $287,000 | 6,958 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,825,000 | 7,232 |
| Total interest expense | $694,000 | 7,075 |
| Net interest income | $1,131,000 | 7,246 |
| Provision for loan and lease losses | $23,000 | 5,896 |
| Total noninterest income | $122,000 | 7,265 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $81,000 | 6,109 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $41,000 | 7,178 |
| Total noninterest expense | $746,000 | 7,720 |
| Salaries and employee benefits | $466,000 | 7,525 |
| Premises and equipment expense | $44,000 | 8,320 |
| Additional noninterest expense | $236,000 | 7,502 |
| Pre-tax net operating income | $484,000 | 6,277 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $162,000 | 4,393 |
| Income before extraordinary items | $322,000 | 6,610 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $322,000 | 6,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,298 |
| Cash dividends | $150,000 | 4,430 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $322,000 | 6,613 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,173,000 | 7,306 |
| Total interest expense | $430,000 | 7,167 |
| Net interest income | $743,000 | 7,318 |
| Provision for loan and lease losses | $15,000 | 5,732 |
| Total noninterest income | $81,000 | 7,313 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $53,000 | 6,170 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $28,000 | 7,198 |
| Total noninterest expense | $505,000 | 7,725 |
| Salaries and employee benefits | $325,000 | 7,468 |
| Premises and equipment expense | $28,000 | 8,370 |
| Additional noninterest expense | $152,000 | 7,586 |
| Pre-tax net operating income | $304,000 | 6,436 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $102,000 | 4,492 |
| Income before extraordinary items | $202,000 | 6,739 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $202,000 | 6,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-26,000 | 8,193 |
| Cash dividends | $75,000 | 4,579 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $202,000 | 6,751 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $571,000 | 7,358 |
| Total interest expense | $210,000 | 7,143 |
| Net interest income | $361,000 | 7,388 |
| Provision for loan and lease losses | $8,000 | 5,456 |
| Total noninterest income | $47,000 | 7,046 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $27,000 | 6,103 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $20,000 | 6,714 |
| Total noninterest expense | $225,000 | 7,913 |
| Salaries and employee benefits | $138,000 | 7,782 |
| Premises and equipment expense | $13,000 | 8,407 |
| Additional noninterest expense | $74,000 | 7,635 |
| Pre-tax net operating income | $175,000 | 6,105 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $58,000 | 4,321 |
| Income before extraordinary items | $117,000 | 6,455 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $117,000 | 6,455 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 8,228 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $117,000 | 6,450 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,185,000 | 7,282 |
| Total interest expense | $667,000 | 7,137 |
| Net interest income | $1,518,000 | 7,272 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $169,000 | 7,321 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $100,000 | 6,291 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $69,000 | 6,972 |
| Total noninterest expense | $1,142,000 | 7,496 |
| Salaries and employee benefits | $730,000 | 7,157 |
| Premises and equipment expense | $82,000 | 8,069 |
| Additional noninterest expense | $330,000 | 7,468 |
| Pre-tax net operating income | $545,000 | 6,597 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $193,000 | 4,717 |
| Income before extraordinary items | $352,000 | 6,966 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $352,000 | 6,966 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 5,266 |
| Cash dividends | $200,000 | 4,874 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $352,000 | 6,950 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,592,000 | 7,345 |
| Total interest expense | $468,000 | 7,207 |
| Net interest income | $1,124,000 | 7,339 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $123,000 | 7,389 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $73,000 | 6,369 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $50,000 | 7,069 |
| Total noninterest expense | $706,000 | 7,827 |
| Salaries and employee benefits | $458,000 | 7,552 |
| Premises and equipment expense | $53,000 | 8,217 |
| Additional noninterest expense | $195,000 | 7,866 |
| Pre-tax net operating income | $541,000 | 6,243 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $181,000 | 4,558 |
| Income before extraordinary items | $360,000 | 6,594 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $360,000 | 6,594 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,845 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $360,000 | 6,556 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,021,000 | 7,408 |
| Total interest expense | $296,000 | 7,213 |
| Net interest income | $725,000 | 7,416 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $75,000 | 7,500 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $46,000 | 6,418 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $29,000 | 7,234 |
| Total noninterest expense | $478,000 | 7,819 |
| Salaries and employee benefits | $314,000 | 7,504 |
| Premises and equipment expense | $29,000 | 8,382 |
| Additional noninterest expense | $135,000 | 7,795 |
| Pre-tax net operating income | $322,000 | 6,451 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $108,000 | 4,717 |
| Income before extraordinary items | $214,000 | 6,812 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $214,000 | 6,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 7,971 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $214,000 | 6,760 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $498,000 | 7,498 |
| Total interest expense | $145,000 | 7,235 |
| Net interest income | $353,000 | 7,512 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $40,000 | 7,415 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $20,000 | 6,602 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $20,000 | 6,849 |
| Total noninterest expense | $215,000 | 8,049 |
| Salaries and employee benefits | $138,000 | 7,801 |
| Premises and equipment expense | $12,000 | 8,542 |
| Additional noninterest expense | $65,000 | 7,918 |
| Pre-tax net operating income | $178,000 | 6,211 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $61,000 | 4,498 |
| Income before extraordinary items | $117,000 | 6,619 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $117,000 | 6,621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 7,985 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $117,000 | 6,584 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,944,000 | 7,441 |
| Total interest expense | $523,000 | 7,225 |
| Net interest income | $1,421,000 | 7,429 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $140,000 | 7,697 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $89,000 | 6,629 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $51,000 | 7,386 |
| Total noninterest expense | $1,121,000 | 7,591 |
| Salaries and employee benefits | $722,000 | 7,203 |
| Premises and equipment expense | $93,000 | 8,053 |
| Additional noninterest expense | $306,000 | 7,665 |
| Pre-tax net operating income | $440,000 | 6,906 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $137,000 | 5,211 |
| Income before extraordinary items | $303,000 | 7,215 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $303,000 | 7,214 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,177 |
| Cash dividends | $200,000 | 4,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $303,000 | 7,161 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,420,000 | 7,520 |
| Total interest expense | $379,000 | 7,308 |
| Net interest income | $1,041,000 | 7,490 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $100,000 | 7,803 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $66,000 | 6,698 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $34,000 | 7,563 |
| Total noninterest expense | $696,000 | 7,926 |
| Salaries and employee benefits | $415,000 | 7,782 |
| Premises and equipment expense | $42,000 | 8,552 |
| Additional noninterest expense | $239,000 | 7,589 |
| Pre-tax net operating income | $445,000 | 6,563 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $149,000 | 4,859 |
| Income before extraordinary items | $296,000 | 6,924 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $296,000 | 6,925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,006 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $296,000 | 6,853 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $904,000 | 7,657 |
| Total interest expense | $247,000 | 7,407 |
| Net interest income | $657,000 | 7,638 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $68,000 | 7,813 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $42,000 | 6,783 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $26,000 | 7,425 |
| Total noninterest expense | $456,000 | 7,999 |
| Salaries and employee benefits | $284,000 | 7,787 |
| Premises and equipment expense | $24,000 | 8,676 |
| Additional noninterest expense | $148,000 | 7,761 |
| Pre-tax net operating income | $269,000 | 6,702 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $91,000 | 4,952 |
| Income before extraordinary items | $178,000 | 7,094 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $178,000 | 7,094 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 3,384 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $178,000 | 7,022 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $443,000 | 7,735 |
| Total interest expense | $126,000 | 7,424 |
| Net interest income | $317,000 | 7,737 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $37,000 | 7,710 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $20,000 | 6,805 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $17,000 | 7,062 |
| Total noninterest expense | $211,000 | 8,162 |
| Salaries and employee benefits | $123,000 | 8,070 |
| Premises and equipment expense | $12,000 | 8,685 |
| Additional noninterest expense | $76,000 | 7,736 |
| Pre-tax net operating income | $143,000 | 6,537 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $48,000 | 4,889 |
| Income before extraordinary items | $95,000 | 6,977 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $95,000 | 6,979 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,994 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $95,000 | 6,876 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,013,000 | 7,521 |
| Total interest expense | $702,000 | 7,032 |
| Net interest income | $1,311,000 | 7,646 |
| Provision for loan and lease losses | $48,000 | 6,339 |
| Total noninterest income | $162,000 | 7,691 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $100,000 | 6,554 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $62,000 | 7,257 |
| Total noninterest expense | $1,055,000 | 7,765 |
| Salaries and employee benefits | $668,000 | 7,427 |
| Premises and equipment expense | $62,000 | 8,594 |
| Additional noninterest expense | $325,000 | 7,604 |
| Pre-tax net operating income | $370,000 | 7,158 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $110,000 | 5,619 |
| Income before extraordinary items | $260,000 | 7,469 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $260,000 | 7,472 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,475 |
| Cash dividends | $55,000 | 5,879 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $260,000 | 7,325 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,512,000 | 7,609 |
| Total interest expense | $559,000 | 7,037 |
| Net interest income | $953,000 | 7,763 |
| Provision for loan and lease losses | $18,000 | 6,830 |
| Total noninterest income | $117,000 | 7,810 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $76,000 | 6,587 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $41,000 | 7,480 |
| Total noninterest expense | $682,000 | 8,059 |
| Salaries and employee benefits | $402,000 | 7,922 |
| Premises and equipment expense | $52,000 | 8,528 |
| Additional noninterest expense | $228,000 | 7,747 |
| Pre-tax net operating income | $370,000 | 6,846 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $128,000 | 5,296 |
| Income before extraordinary items | $242,000 | 7,314 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $242,000 | 7,316 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,833 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $242,000 | 7,144 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $996,000 | 7,700 |
| Total interest expense | $391,000 | 7,027 |
| Net interest income | $605,000 | 7,889 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $73,000 | 7,909 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $48,000 | 6,655 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $25,000 | 7,564 |
| Total noninterest expense | $478,000 | 7,985 |
| Salaries and employee benefits | $284,000 | 7,822 |
| Premises and equipment expense | $38,000 | 8,441 |
| Additional noninterest expense | $156,000 | 7,686 |
| Pre-tax net operating income | $200,000 | 7,216 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $71,000 | 5,543 |
| Income before extraordinary items | $129,000 | 7,664 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $129,000 | 7,667 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,405 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $129,000 | 7,485 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $527,000 | 7,616 |
| Total interest expense | $205,000 | 7,010 |
| Net interest income | $322,000 | 7,780 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $41,000 | 7,709 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $26,000 | 6,492 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $15,000 | 7,351 |
| Total noninterest expense | $201,000 | 8,330 |
| Salaries and employee benefits | $121,000 | 8,179 |
| Premises and equipment expense | $13,000 | 8,800 |
| Additional noninterest expense | $67,000 | 8,027 |
| Pre-tax net operating income | $162,000 | 6,310 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $54,000 | 4,991 |
| Income before extraordinary items | $108,000 | 6,750 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $108,000 | 6,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,385 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $108,000 | 6,582 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,335,000 | 7,499 |
| Total interest expense | $994,000 | 6,950 |
| Net interest income | $1,341,000 | 7,699 |
| Provision for loan and lease losses | $80,000 | 6,062 |
| Total noninterest income | $142,000 | 7,921 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $85,000 | 6,837 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $57,000 | 7,426 |
| Total noninterest expense | $1,030,000 | 7,872 |
| Salaries and employee benefits | $685,000 | 7,339 |
| Premises and equipment expense | $83,000 | 8,400 |
| Additional noninterest expense | $262,000 | 8,086 |
| Pre-tax net operating income | $373,000 | 7,275 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $108,000 | 5,890 |
| Income before extraordinary items | $265,000 | 7,492 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $265,000 | 7,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 4,073 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $265,000 | 7,397 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,682,000 | 7,554 |
| Total interest expense | $1,385,000 | 7,219 |
| Net interest income | $1,297,000 | 7,694 |
| Provision for loan and lease losses | $260,000 | 3,515 |
| Total noninterest income | $128,000 | 8,125 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $64,000 | 7,308 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $64,000 | 7,283 |
| Total noninterest expense | $905,000 | 8,200 |
| Salaries and employee benefits | $560,000 | 7,855 |
| Premises and equipment expense | $87,000 | 8,512 |
| Additional noninterest expense | $258,000 | 8,154 |
| Pre-tax net operating income | $260,000 | 7,590 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $56,000 | 6,605 |
| Income before extraordinary items | $204,000 | 7,701 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $204,000 | 7,703 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $210,000 | 2,783 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $204,000 | 7,578 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,662,000 | 7,745 |
| Total interest expense | $1,401,000 | 7,354 |
| Net interest income | $1,261,000 | 7,939 |
| Provision for loan and lease losses | $48,000 | 6,621 |
| Total noninterest income | $103,000 | 8,552 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $61,000 | 7,374 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 8,092 |
| Total noninterest expense | $838,000 | 8,457 |
| Salaries and employee benefits | $534,000 | 8,065 |
| Premises and equipment expense | $79,000 | 8,802 |
| Additional noninterest expense | $225,000 | 8,560 |
| Pre-tax net operating income | $478,000 | 7,103 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $140,000 | 6,039 |
| Income before extraordinary items | $338,000 | 7,233 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $338,000 | 7,231 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,468 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $338,000 | 7,226 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,305,000 | 8,127 |
| Total interest expense | $1,165,000 | 7,734 |
| Net interest income | $1,140,000 | 8,319 |
| Provision for loan and lease losses | $61,000 | 6,111 |
| Total noninterest income | $104,000 | 8,760 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $52,000 | 7,784 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 7,990 |
| Total noninterest expense | $812,000 | 8,689 |
| Salaries and employee benefits | $517,000 | 8,248 |
| Premises and equipment expense | $88,000 | 8,858 |
| Additional noninterest expense | $207,000 | 8,953 |
| Pre-tax net operating income | $371,000 | 7,735 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $111,000 | 6,775 |
| Income before extraordinary items | $260,000 | 7,866 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $260,000 | 7,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,586 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $260,000 | 7,837 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,186,000 | 8,461 |
| Total interest expense | $1,135,000 | 8,061 |
| Net interest income | $1,051,000 | 8,683 |
| Provision for loan and lease losses | $62,000 | 6,072 |
| Total noninterest income | $83,000 | 9,296 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $38,000 | 8,333 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 8,339 |
| Total noninterest expense | $729,000 | 9,020 |
| Salaries and employee benefits | $427,000 | 8,793 |
| Premises and equipment expense | $89,000 | 8,954 |
| Additional noninterest expense | $213,000 | 8,983 |
| Pre-tax net operating income | $343,000 | 8,162 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $101,000 | 7,520 |
| Income before extraordinary items | $242,000 | 8,301 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $242,000 | 8,300 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,498 |
| Cash dividends | $55,000 | 6,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $242,000 | 8,224 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,820,000 | 9,244 |
| Total interest expense | $898,000 | 8,973 |
| Net interest income | $922,000 | 9,369 |
| Provision for loan and lease losses | $24,000 | 7,686 |
| Total noninterest income | $83,000 | 9,706 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $37,000 | 8,760 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $46,000 | 8,605 |
| Total noninterest expense | $711,000 | 9,365 |
| Salaries and employee benefits | $445,000 | 8,970 |
| Premises and equipment expense | $44,000 | 10,343 |
| Additional noninterest expense | $222,000 | 9,151 |
| Pre-tax net operating income | $270,000 | 9,177 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $66,000 | 8,988 |
| Income before extraordinary items | $204,000 | 9,120 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $204,000 | 9,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 9,915 |
| Cash dividends | $55,000 | 7,116 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $204,000 | 9,081 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,536,000 | 10,051 |
| Total interest expense | $742,000 | 9,839 |
| Net interest income | $794,000 | 10,128 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $80,000 | 10,284 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $37,000 | 9,188 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $43,000 | 9,213 |
| Total noninterest expense | $620,000 | 10,094 |
| Salaries and employee benefits | $384,000 | 9,723 |
| Premises and equipment expense | $65,000 | 10,223 |
| Additional noninterest expense | $171,000 | 10,282 |
| Pre-tax net operating income | $254,000 | 9,454 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $59,000 | 9,531 |
| Income before extraordinary items | $195,000 | 9,346 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $195,000 | 9,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,694 |
| Cash dividends | $63,000 | 7,315 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $195,000 | 9,286 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,457,000 | 10,602 |
| Total interest expense | $711,000 | 10,267 |
| Net interest income | $746,000 | 10,698 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $73,000 | 10,885 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $35,000 | 9,675 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 9,820 |
| Total noninterest expense | $564,000 | 10,737 |
| Salaries and employee benefits | $319,000 | 10,599 |
| Premises and equipment expense | $67,000 | 10,564 |
| Additional noninterest expense | $178,000 | 10,714 |
| Pre-tax net operating income | $255,000 | 10,080 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $51,000 | 10,172 |
| Income before extraordinary items | $204,000 | 9,883 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $204,000 | 9,888 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 10,436 |
| Cash dividends | $55,000 | 7,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $204,000 | 9,857 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,262,000 | 11,217 |
| Total interest expense | $574,000 | 10,724 |
| Net interest income | $688,000 | 11,417 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $55,000 | 11,823 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $32,000 | 10,262 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 11,244 |
| Total noninterest expense | $541,000 | 11,399 |
| Salaries and employee benefits | $273,000 | 11,448 |
| Premises and equipment expense | $68,000 | 11,037 |
| Additional noninterest expense | $200,000 | 11,156 |
| Pre-tax net operating income | $202,000 | 10,881 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $48,000 | 10,520 |
| Income before extraordinary items | $154,000 | 10,770 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $154,000 | 10,775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,696 |
| Cash dividends | $55,000 | 7,820 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $154,000 | 10,821 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,306,000 | 11,673 |
| Total interest expense | $609,000 | 11,086 |
| Net interest income | $697,000 | 11,889 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $58,000 | 12,338 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $36,000 | 10,537 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 11,885 |
| Total noninterest expense | $552,000 | 11,896 |
| Salaries and employee benefits | $296,000 | 11,690 |
| Premises and equipment expense | $69,000 | 11,541 |
| Additional noninterest expense | $187,000 | 11,910 |
| Pre-tax net operating income | $203,000 | 11,011 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $48,000 | 10,991 |
| Income before extraordinary items | $155,000 | 11,135 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $155,000 | 11,223 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 11,729 |
| Cash dividends | $55,000 | 7,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $155,000 | 10,931 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,385,000 | 12,215 |
| Total interest expense | $722,000 | 11,696 |
| Net interest income | $663,000 | 12,467 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $47,000 | 13,183 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $34,000 | 10,924 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $13,000 | 13,144 |
| Total noninterest expense | $543,000 | 12,384 |
| Salaries and employee benefits | $269,000 | 12,371 |
| Premises and equipment expense | $66,000 | 12,026 |
| Additional noninterest expense | $208,000 | 12,136 |
| Pre-tax net operating income | $167,000 | 11,356 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $27,000 | 11,890 |
| Income before extraordinary items | $140,000 | 11,416 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $140,000 | 11,493 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 9,274 |
| Cash dividends | $55,000 | 7,563 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $140,000 | 11,077 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.